Mortgage brokers in Norwest, helping the Hills District and Sydney
Home loan broker, Sydney
RyRo Loan Centre compares home loans from 50+ lenders and manages your application from strategy to settlement. Based in Norwest, we look for the right loan for your situation, not just the lowest rate on a comparison site.
5.0 from 360+ Google reviews
Updated November 2026
5.0From 360+ Google reviews Read themSome of the banks and lenders we compare for you
Start here
Most people landing here are doing one of three things: buying, cutting the cost of a loan they already have, or moving up to a bigger place. Pick the path that matches you and go straight to the detail.
Not sure which one you are? That is a two-minute conversation. Book a free strategy call and we will tell you which path your situation actually fits.
Already ownRate not reviewed in two years, or a fixed term about to end? We compare your loan against the market and do the break-cost maths.
This path is for you if your loan has not been reviewed in two or more years, your fixed term is about to end, or you have simply never checked your rate against the market. Refinancing is the single highest-return hour most existing homeowners can spend.
UpsizingUse the equity in the home you own as the deposit on the next one, without selling first.
This path is for you if you own a home with equity in it and want to buy a bigger one without selling first. You release equity against the property you own, use it as the deposit on the next place, then decide whether to keep the first home or sell it.
First homeWork out your deposit, the schemes you qualify for and what you can actually borrow, before you start bidding.
This path is for you if you are working out your deposit, which government schemes you qualify for, and what you can actually borrow. The 5% Deposit Scheme changed the maths for Sydney buyers from 1 October 2025.
BuildingProgress payments, builder approval and a fixed-price contract make a construction loan a different loan entirely.
This path is for you if you are doing a knockdown rebuild, a house and land package in the northwest growth corridor, or a build on a block you already own. Progress payments and builder policy make this a different loan entirely.
Buying landLenders assess vacant land differently from a house, so the deposit, the term and the lender choice all change.
This path is for you if you have found a block, or want one in a new estate, and plan to build later. We line up a lender that suits the land now and the construction loan when you are ready to build.
New estateThe land settles first, then the build draws down in stages. The lender has to suit your builder, block and timeline.
This path is for you if you are buying land and a build contract together in a new estate across northwest or southwest Sydney. We check the lender suits your builder and your timeline before you sign, so land settlement and the first progress payment line up.
Buy before you sellA bridging loan covers the gap, so you can buy the right place now and sell on your own timeline.
This path is for you if you have found the next home but the one you own has not sold yet. A bridging loan funds the purchase now, then the sale of your current home pays it down. We work out the peak debt, the bridging term and what happens if the sale takes longer.
RenovatingEquity, a top-up or a construction loan for bigger work: the right one depends on the size of the job.
This path is for you if you are planning a kitchen, an extension or a full renovation. Smaller jobs often suit a top-up or equity release, while structural work may need a construction loan with progress payments. We match the loan to the scope and the quotes you have.
Check-upA free home loan health check compares your rate, fees and features with what you could get today.
This path is for you if you are not sure whether to refinance or stay put. We look at your rate, fees, offset and structure against the market, then tell you plainly whether a change is worth it. Sometimes the answer is a better deal from the lender you already have.
Investing or self-employed? See property investing services and our specialist lenders for complex income, trusts and SMSF purchases. Already own a home? Our guide for existing homeowners puts refinancing, equity, renovating and upsizing side by side.
Overview
RyRo Loan Centre is a Sydney mortgage broker that compares home loans across its lender panel and manages your application from pre-approval to settlement, at no cost to you. RyRo works with first home buyers, upgraders, refinancers and investors across Sydney from its office in Norwest, in the Hills District. RyRo Loan Centre is rated 5.0 from 360+ Google reviews.
Whether you're buying your first home, refinancing an existing mortgage, upgrading to your next property or growing an investment portfolio, RyRo Loan Centre compares home loan options from 50+ lenders and manages your application from strategy to settlement. Based in Norwest in Sydney's Hills District, we help borrowers across Sydney, NSW and Australia find the right home loan for their situation, not just the lowest rate on a comparison website.
Quick answer
A home loan broker compares loans from many lenders for you, works out which ones will actually approve your situation, prepares the application and manages it to settlement. At RyRo Loan Centre that is free for home loans, because the lender pays us, and you deal with Sumit from our Norwest office.
A home loan (mortgage) is finance to buy residential property. You borrow from a lender, use the property as security, and repay with interest over 25 to 30 years. The right structure depends on your goal (owner-occupier, investment, building, refinancing), income, deposit and timeline. We compare 50+ lenders to find the best rate and structure for you.
Lenders assess your income, expenses, debts and the property before approving your loan. The property is security: if you stop repaying, they can sell it to recover the debt. Getting the right structure from day one matters for approval and long-term cost. We match you to lenders that fit your situation.
Variable rates move with the RBA cash rate; repayments can go up or down and you get flexibility (extra repayments, offset, redraw). Fixed rates lock your rate for 1 to 5 years for repayment certainty but with less flexibility. Many borrowers split: part fixed, part variable. We help you choose what fits your situation.
P&I repayments reduce your balance and build equity; they're the standard for owner-occupiers and usually have lower rates. Interest-only repayments cover just interest for a set period (often used by investors); the balance doesn't fall and rates are higher. We explain which suits you before you decide.
Ali Ahsan
3 years ago on Google
Sumit was very helpful and has effectively guided through the process, fairly analysed options for us and finally made the interaction with selected lender smooth overall given it was our first ever home loan. Recommend if you need advice aligned to your circumstances.
Home loan types
We help borrowers across Sydney and Australia secure finance for every property purchase situation. Whether you're a first home buyer, an upgrader, an investor, someone looking to refinance, or a borrower with a complex income situation, we work with lenders across our panel of 50+ who support your specific scenario.
7 home loan categories
01
Buying your first home in Sydney is one of the most significant financial decisions of your life, and it comes with real complexity: choosing the right deposit level, understanding which government grants and schemes apply to you, selecting the right lender and loan structure, and navigating one of the most competitive property markets in the world.
Our first home buyer loans in Sydney cover the full picture, from how much you need to save and what government support you qualify for, through to pre-approval, property purchase and settlement. From 1 October 2025, the Australian Government's 5% Deposit Scheme (formerly the First Home Guarantee) has no income caps, no place limits, and a property price cap of $1,500,000 for Sydney and major NSW regional centres, meaning eligible first home buyers can purchase with as little as a 5% deposit without paying Lenders Mortgage Insurance. The NSW First Home Owner Grant of $10,000 may also apply if you're purchasing or building a new home (with a price cap of $600,000 for a new dwelling, or $750,000 for a house and land package combined).
We work with first home buyers every day. We know the questions you haven't thought to ask yet, and we answer them before they become surprises.
02
Purchasing an established home or upgrading from your current property requires careful structuring to avoid leaving money on the table. The difference between a well-structured home loan and a generic bank product can mean tens of thousands of dollars over the life of a 30-year loan, in interest charges alone.
We compare home loan options from 50+ lenders, including major banks, non-bank lenders and specialist lenders that aren't accessible directly to borrowers. We negotiate on your behalf, prepare your application for the strongest possible presentation, and manage the process from pre-approval through to settlement. For Sydney buyers in competitive suburbs, fast pre-approval can make a real difference when it comes to bidding at auction with confidence.
03
Investment property loans in Sydney and across Australia are assessed differently to owner-occupier loans. Lenders apply higher interest rates for investment purposes, have stricter serviceability assessments for existing investors, and look carefully at rental income, existing debt levels and your overall portfolio structure.
Whether you're purchasing your first investment property or adding to an existing portfolio, the right loan structure matters significantly: the choice between fixed and variable rate, interest-only and principal and interest, offset or redraw, and which lender to use can affect your cash flow, tax position and future borrowing capacity. We work with property investors at every stage, from first-time investors to experienced buyers managing multi-property portfolios.
04
If you took out your home loan more than two years ago, there's a reasonable chance you're paying a rate that no longer reflects what's available in the market, and that gap could be costing you significantly. On a $700,000 loan, a difference of just 0.5% in your interest rate represents roughly $3,500 per year in additional interest. Refinancing your home loan in Sydney through a broker who compares across 50+ lenders means you're accessing the full market, not just switching between a handful of major banks.
We review your current loan, compare it against options across our panel, calculate whether the savings outweigh any break costs or switching fees, and manage the refinancing process from application to settlement. Common reasons our clients refinance include: reducing their interest rate; accessing equity for renovation or investment; switching from variable to fixed (or vice versa); and moving off a rate and structure that no longer suits their situation.
There's no cost to find out whether refinancing makes sense for you. Get a free strategy call and we'll assess your current loan against the market.
05
Building a new home, whether from scratch on a new block or as a knock-down-rebuild on an established lot, requires a different loan structure to buying an existing property. Construction loans in Sydney and NSW are structured with staged progress payments, released at each build milestone: slab, frame, lock-up, fix-up and practical completion. You only pay interest on what has been drawn down during the construction period, not the full loan amount, which reduces your interest costs while the build is underway.
Lenders assess construction loans on both your financial position and the strength of your build contract and builder. Not every lender is well-versed in construction finance. We work with lenders whose policies genuinely support your construction timeline and builder, and we plan the transition from a land loan to a construction loan, or arrange the construction loan from day one, so the process is smooth and cost-effective.
06
Buying land and building your home at the same time? A home and land package loan combines land purchase and construction finance into a single, streamlined structure. Popular in new estates across northwest and southwest Sydney, including Box Hill, Marsden Park, Schofields, Riverstone and similar growth corridors, these loans simplify the finance process and can align settlement with construction commencement.
Getting the structure right for a home and land package matters: the land component settles first, then the construction loan draws down progressively as building milestones are reached. We ensure the lender's policies support your builder, your block and your timeline, so there are no surprises between land settlement and construction commencement.
07
Self-employed borrowers, business owners and people with complex income structures often find that standard home loan applications don't reflect their actual financial position. Low doc loans allow eligible borrowers to support their application with alternative income documentation, such as BAS statements, accountant's declarations or business bank statements, rather than standard payslips and tax returns.
Low doc home loans typically require a larger deposit (usually a minimum of 20%) and carry higher interest rates than standard loans, but they open the market to borrowers who would otherwise be declined by mainstream lenders. We have access to specialist lenders who assess low doc applications fairly and understand self-employed and business income. We assess your situation honestly and match you to the most appropriate lender from the start.
We compare home loan options from 50+ lenders across every borrower category. Tell us what you're trying to achieve and we'll match you to the right product and lender.
Not sure which home loan type suits your situation? Get expert advice free, no credit check, no obligation. We'll call you to discuss your situation and the best options from our panel.
Already own a home?
Refinance in 2026 if your current rate sits more than about 0.5% above what you could get today, or if your loan has not been reviewed in two or more years. Skip it if you are locked into a fixed rate where break costs swallow the saving, or if your loan to value ratio is above 80% and switching would trigger Lenders Mortgage Insurance all over again.
Waiting for a cut is not a strategy. The saving available right now comes from the gap between what existing borrowers pay and what new borrowers are offered, and for many Sydney households that gap is real.
On a $750,000 Hills District loan, half a percent is roughly $3,750 a year. Over the five years most people stay put, that is the difference between a kitchen renovation and nothing. Model your own numbers with our loan repayment calculator, then check what an offset account would add on top with the home loan offset calculator.
Here is what to do first: find your current rate on your last statement, then compare it against the market. That is exactly what our refinancing service does, free, across 50+ lenders, including the break-cost maths if you are on a fixed rate. If the numbers do not stack up we will tell you to stay put.
Free review. Bring your last statement.
Clients who refinanced with us
Gurbaksh Dhillon
2 years ago on Google
Sumit and his team are exceptionally knowledgeable about the mortgage process. They secured an excellent refinancing deal for me with minimal documentation required, making the submission process straightforward and hassle-free. Every team member was professional, courteous, and approachable. I highly recommend their services.
Sanjay Wadhwani
2 years ago on Google
Sumit and his teams were absolutely amazing throughout the whole process of refinancing our house and got us a best deal from one of the top 4 banks. Professionals who listen to customers needs with clear communication and sound advice. Highly recommend Sumit!
Case studies
Real clients, details kept private. The figures are from the loans we arranged; your rate and outcome depend on your circumstances.
Free, no obligation.
The clients owned their home, valued at about $2.35M, with a loan of around $735K.
Reviewed fixed, variable and split options across our lender panel.
+2 more in the full story
A known repayment for the next two years, which made the household budget easy to plan.
+2 more in the full story
The situation
The clients owned their home, valued at about $2.35M, with a loan of around $735K. With rates rising through 2026 they wanted to stop guessing what their repayments would be from one month to the next.
What we did
The result
Rate shown is the rate this client received in 2026. Rates change often and depend on your circumstances, so yours may differ.
The clients owned their home, valued at about $1.85M, with two existing NAB loan splits totalling around $1.006M.
Checked whether a full refinance would actually leave them better off. It would not.
+2 more in the full story
Access to their equity without disturbing loans that were already working for them.
+2 more in the full story
The situation
The clients owned their home, valued at about $1.85M, with two existing NAB loan splits totalling around $1.006M. They wanted to fund non-structural renovations and upgrades and assumed they would need to refinance everything to do it.
What we did
The result
A self-employed couple had an owner-occupied loan of $935K and an investment loan of $665K with a non-bank lender.
Once their tax returns were finalised and showed enough income, refinanced both loans to a major bank on full doc pricing.
+3 more in the full story
Much lower rates across $1.6M of home and investment lending.
+2 more in the full story
The situation
A self-employed couple had an owner-occupied loan of $935K and an investment loan of $665K with a non-bank lender. Another broker had set them up on low doc loans because their tax returns were not ready at the time, so both loans were on high rates.
What we did
The result
The interest only change was made on the advice of the clients and their accountant. RyRo does not give tax advice. Speak to your accountant about negative gearing.
Understanding
A home loan is the single largest financial commitment most Australians will ever make. Getting it right, the right structure, the right lender, the right rate, can save you tens of thousands of dollars and significantly reduce financial stress over the life of the loan.
3 key things to know
01
Home loans can be used to purchase an established residential property, a new home, an investment property, or to fund construction of a new dwelling on land you already own or are purchasing. The property is used as security, and the loan is structured as a set amount borrowed and repaid over a set term with interest.
The terms, rates and lender appetite vary by property type, your purpose (owner-occupier or investor), your deposit and your financial profile.
02
Variable rate loans offer flexibility: offset accounts, unlimited extra repayments, redraw facilities, and the potential to benefit when rates fall. Fixed rate loans offer certainty: the same repayment amount for one to five years regardless of rate movements.
The right choice depends on your cash flow needs, your risk tolerance, and your view of where rates are headed. Many borrowers split their loan, fixing a portion for certainty and leaving the rest variable for flexibility. There's no universally right answer; we work through this with you based on your specific position.
03
Under APRA guidelines, lenders must assess your ability to service a home loan at an interest rate at least 3 percentage points above the actual loan rate. This is the mortgage serviceability buffer, which has been maintained at 3% since October 2021 and confirmed to remain unchanged in APRA's July 2025 review.
This buffer means that even at current rates, you're assessed at a significantly higher rate, which affects how much you can borrow. It also means that different lenders, with different expense benchmarks and income assessment methods, will arrive at different borrowing capacity figures for the same borrower.
We know which lenders calculate serviceability most favourably for different income types and structures, and we apply that knowledge to maximise your options.
Use our Loan Repayment Calculator to estimate your repayments before you apply, or speak directly with our team for figures based on your actual numbers, obligation-free.
Get your home loan strategy call
Tell us about your situation and we'll match you to the right lender. Free, no obligation, no credit check.
5.0 from 360+ Google reviewsFree, no obligation. We generally respond within an hour.
The process
Understanding how a home loan works before you apply makes the process faster, clearer and less stressful.
7 key things to know
01
Before you start making offers on property, it's strongly advisable to have a home loan pre-approval in place. Pre-approval (also called conditional approval or approval in principle) confirms that a lender is willing to lend you up to a certain amount, subject to the property you're purchasing meeting their criteria. In Sydney's competitive property market, having pre-approval before auction gives you the confidence to bid and signals to vendors and agents that you're a serious buyer. Pre-approval is typically valid for 90 days. We obtain pre-approvals quickly, most straightforward applications receive pre-approval within 1 to 2 business days.
02
The deposit you need depends on the lender, the loan type and the property:
03
The interest rate on your home loan determines a significant portion of the total cost of borrowing. On a $700,000 home loan over 30 years, a difference of just 0.5% in your interest rate can mean more than $70,000 in additional interest payments over the life of the loan. Rates offered to new borrowers are often lower than the average across all existing loans, which is the whole reason a loan review is worth doing. The rate a lender advertises is rarely the rate every borrower receives. We negotiate with lenders across our panel on your behalf to secure the most competitive rate available for your specific scenario.
04
LMI is an insurance premium payable by the borrower when borrowing above 80% LVR. It protects the lender, not you, in the event of default. LMI can cost anywhere from a few thousand dollars to over $30,000 depending on your LVR and loan size, and it's typically added to the loan balance. It can be avoided by having a 20% deposit, accessing the 5% Deposit Scheme (First Home Guarantee), using an eligible guarantor, or certain professional packages offered by specific lenders. We work through these options with you clearly so you can decide which path makes the most financial sense. Estimate yours with our LMI calculator.
05
Before approving your home loan, the lender commissions an independent valuation of the property. The valuation must support the purchase price: if it comes in lower than the contracted price, the lender will only lend against the lower figure, which affects your LVR and potentially your deposit requirement. This is particularly relevant in competitive markets where buyers sometimes pay above comparable sales. We prepare your application to give the strongest possible presentation and alert you to any valuation risk before you commit.
06
Home loan settlement typically occurs 30 to 90 days after exchange of contracts, with the timeframe agreed between buyer and seller at exchange. Settlement is the point at which you take legal ownership of the property, the loan funds are drawn down, and the purchase price is paid to the vendor. Our settlement liaison Kathryn manages this process end-to-end, coordinating with your conveyancer and the lender to ensure settlement proceeds smoothly and on time.
07
A good mortgage broker relationship doesn't end at settlement. We review our clients' loans regularly to ensure they remain competitive as the market changes. Interest rates move, lenders introduce new products, and your financial situation evolves. If a better option becomes available, through refinancing, restructuring or switching products within your existing lender, we'll let you know before it costs you money.
Kshitindra Rai
5 years ago on Google
Great Service. I would definitely recommend them. Sumit was great and explained everything in detail. I did not run into surprises and the settlement went through on time. Also, this was my first time buying property so I had a lot of questions and Sumit was very patient in answering them and also giving me suggestions. Thanks for all the help.
Ready to start? Get a free strategy call and we'll walk you through the process for your situation, from pre-approval to settlement.
Deposit and costs
The deposit required for a home loan in Australia depends on several factors: the property type, your loan purpose, your financial profile and which lender you're working with.
| Loan type | Typical minimum deposit | What to watch |
|---|---|---|
| Owner-occupier home loan | 5% with most lenders | LMI applies above 80% LVR |
| First home buyer, 5% Deposit Scheme | 5% | No LMI, price caps apply |
| Investment home loan | 10% with most lenders | 20% to avoid LMI |
| Construction loan | Similar to a standard loan | Assessed on land plus build |
| Low doc home loan | Usually 20% | Alternative income evidence |
4 key deposit categories, in detail:
Most lenders will finance up to 95% LVR (5% deposit) for owner-occupier home loans on standard residential property. Borrowing above 80% LVR triggers Lenders Mortgage Insurance (LMI). A 20% deposit avoids LMI and typically delivers access to lower interest rates and broader lender choice.
For Sydney buyers where property values are significantly above the national average, saving a 20% deposit is a substantial undertaking, which is why government schemes like the 5% Deposit Scheme are particularly impactful in this market.
Investment loans are assessed more conservatively. Most lenders require a minimum 10% deposit for investment purchases, with 80% LVR (20% deposit) typically required to avoid LMI and access competitive investment rates.
Borrowers with multiple existing investment properties may face additional restrictions, and serviceability becomes more complex as the portfolio grows.
Construction loan deposit requirements are similar to standard home loans, but assessed against the combined land and construction costs (total project value). A licensed builder with a fixed-price building contract is required by most lenders.
Progress payments are released in stages as construction milestones are completed, so you only pay interest on drawn funds during the build.
Self-employed and complex income borrowers seeking low doc loans typically need a larger deposit, usually a minimum of 20%, because the lender is accepting alternative income verification.
Some specialist lenders will consider lower LVRs for strong applicants with documented trading history.
Not sure how much you'll need? Get a free strategy call and we'll work through deposit requirements, stamp duty costs and grant eligibility based on your situation.
Lender criteria
Understanding what lenders assess helps you prepare a stronger application, and set realistic expectations before you approach anyone.
7 key factors lenders assess
01
We assess your income presentation before approaching any lender, so we target those whose assessment methods work most favourably for your specific situation.
02
We factor this into our lender matching from day one, so there are no surprises during the assessment process.
03
We review your full debt position before approaching lenders and advise where reducing or closing existing facilities could meaningfully improve your borrowing capacity.
04
If your credit history has any issues, we identify the right lender from the start, rather than applying to the wrong one and generating an unnecessary rejection on your file.
05
We are transparent about these trade-offs so you can make an informed decision.
06
We identify any potential security issues with a property before your application is lodged, so you're not caught off guard.
07
If you're purchasing an investment property, we structure the loan to maximise flexibility and manage your overall portfolio debt position.
We assess all of these factors before we approach any lender, so we present your application to the most suitable lenders from the start, not after a rejection has already marked your credit file.
Want to strengthen your application? Get a free strategy call and we'll run through your situation so we target the right lenders from day one.
Belinda White
2 years ago on Google
Sumit is an outstanding mortgage broker. He patiently worked through our application and got us an awesome result when many other brokers wouldn't assist as we are small business owners. Thank you!
Grants and schemes
Understanding what government support is available before you buy can save you tens of thousands of dollars in upfront costs.
4 key areas of government support:
Stamp duty applies to all property purchases in NSW and must be paid within 3 months of signing the contract of sale. It cannot typically be added to your mortgage and is calculated on the purchase price or market value, whichever is higher.
First home buyers may be fully exempt on purchases up to $800,000 or receive a concessional rate from $800,001 to $1,000,000 under the First Home Buyers Assistance Scheme (FHBAS).
Use our NSW Stamp Duty Calculator to estimate what's payable on your specific purchase.
First home buyers purchasing or building a new home in NSW may qualify for the NSW First Home Owner Grant: a one-off $10,000 tax-free payment from the NSW Government. To qualify, the property must be brand new and never previously occupied or sold as a residence. Price caps apply: the property must not exceed $600,000 for a new dwelling, or $750,000 combined land and construction value for a house and land package.
Purchasers must be Australian citizens or permanent residents, aged 18 or over, and must not have previously owned property in Australia. You must move into the home within 12 months of settlement and live there for at least 12 continuous months. The grant applies to new homes only, not established property purchases.
From 1 October 2025, the Australian Government's Home Guarantee Scheme (commonly referred to as the 5% Deposit Scheme) has been significantly expanded: no income caps, no limit on the number of places available, property price cap of $1,500,000 for Sydney and NSW regional centres (Newcastle and Lake Macquarie, Illawarra) and $800,000 for other NSW areas.
Eligible buyers purchase with a 5% deposit; the government guarantees up to 15% of the loan value, so the lender treats you as having a 20% deposit and LMI is avoided. The scheme is applied through participating lenders. We confirm your eligibility and match you with the right participating lender.
The Australian Government's Help to Buy Scheme launched on 5 December 2025. It is a shared equity program where the government contributes up to 40% of the purchase price for a new home, or 30% for an existing home, in exchange for an equivalent equity stake in the property. Income caps apply: $100,000 per year for individual applicants; $160,000 for joint applicants and single parents. Minimum 2% deposit required.
10,000 places available per year nationally (approximately 3,000 for NSW buyers). NSW property price caps: up to $1,300,000 in Sydney and regional centres; up to $800,000 in other NSW areas. You own the home and live in it; the government shares in any gains or losses when you sell or buy back their share. Our Help to Buy scheme guide for Sydney buyers goes through it in full.
The Family Home Guarantee supports eligible single parents with at least one dependent child to purchase with as little as a 2% deposit, with the government guaranteeing up to 18%. You do not need to be a first home buyer to access this scheme.
For a full breakdown of every grant and scheme, see our First Home Buyers page. Want to check what you qualify for? Get a free strategy call and we'll run through grants, stamp duty exemptions and scheme eligibility for your specific situation.
Local mortgage broker pages
Where we help
RyRo Loan Centre is based in Norwest in Sydney's Hills District, and we work with home loan borrowers across all of Sydney, regional NSW and Australia. As a mortgage broker in the Hills District and Norwest, we understand the local property market deeply, from Castle Hill, Baulkham Hills, Kellyville, Rouse Hill and Norwest itself, through to established suburbs across the North Shore, Inner West, Eastern Suburbs, Southwest Sydney and the full Sydney metropolitan area.
Sydney's property market is one of the most competitive in the world, and having pre-approval in place before you start inspecting can be the difference between winning and losing the home you want. We work fast, communicate clearly and make sure our clients are ready to act when the right property comes along.
For borrowers outside Sydney, in Newcastle, the Central Coast, Wollongong, the Hunter Valley, regional NSW and across Victoria, Queensland, South Australia and Western Australia, we arrange home loans through our national lender panel. Stamp duty exemptions and grant eligibility vary by state, and we always confirm what applies to your specific location and situation.
Whether you're a first-time buyer or an experienced property investor, our team brings the same expertise, lender access and clear advice to every enquiry. Buying or refinancing in Sydney, NSW or elsewhere? Get a free strategy call and we'll match you to the right lender for your situation and location.
Sound familiar?
Most people who call us about a home loan are in one of these spots. Here is what usually gets in the way, and what we do about it.
5.0 from 360+ Google reviewsThese are common situations, not client stories. Every loan depends on your circumstances and the lender's policy.
5 reasons to work with us
Real people. Real expertise. Here's what you can expect when you work with us.
Finding the right home loan isn't just about finding a low rate, it's about finding a lender whose policy, assessment criteria and loan structure genuinely suit your situation. We compare home loans from major banks, second-tier lenders, non-bank lenders and specialist lenders that aren't accessible directly to the public.
Our panel of 50+ lenders means we're never limited to what three or four banks can offer you.
Our service is completely free to you. We're paid a commission by the lender when your loan settles. That means you get expert home loan advice, full lender comparison, application management, negotiation and settlement support at no direct cost to you.
There are no hidden fees, no charges for strategy calls and no obligation to proceed.
We're based in Norwest and we understand Sydney's property market and lending conditions: which lenders move fastest in competitive auction environments, which lenders have the most favourable policies for specific property types, and how the Hills District, Northwest Corridor and broader Sydney market behaves.
Local knowledge matters when time and accuracy both count.
From your first strategy call through to settlement, we handle the paperwork, prepare your application, liaise with lenders, manage valuation issues and keep you updated at every stage.
Our settlement liaison Kathryn coordinates with your conveyancer and the lender so nothing falls through the cracks between exchange and settlement day.
Most borrowers don't need the cheapest rate on a comparison site. They need the right loan, structured correctly for their actual situation, with a lender who will support them through approval and beyond.
We start with your strategy, what you're buying, why, what you plan to do with it, and work back to the right lender and product. That approach produces better outcomes than rate-shopping alone.
More than 2,500+ Australians have trusted RyRo Loan Centre to help them find the right home loan. From first home buyers navigating Sydney's market for the first time to experienced investors refinancing and restructuring, the feedback from our clients reflects the same thing consistently: clear communication, genuine expertise and a process that's smoother than they expected. Rated 5.0 from 360+ Google reviews.
We generally respond within an hour.
Your process
From your first call to settlement, here's how we work with you.
6 steps from first call to settlement
Tell us what you are buying or refinancing, your deposit or equity and your income type.
Tell us what you're trying to achieve: what you're buying (or whether you're refinancing), your approximate purchase price or current loan balance, your deposit or equity position, and your income type.
We assess your situation, identify any potential complications upfront, and shortlist the most suitable lenders from our panel of 50+.
We match you to lenders whose policy fits, not whoever has the lowest headline rate this week.
We review your full financial position: income, expenses, existing debts, credit profile, deposit and the property you're purchasing. We match you to lenders whose policies genuinely fit your scenario, not just whoever has the lowest headline rate this week.
For investors and self-employed borrowers, this step is particularly important: the right lender match can significantly affect both your approval outcome and your ongoing costs.
One clear document list up front, so there is no back and forth with the lender.
We handle the paperwork and prepare a strong, complete application. We tell you exactly which documents are required, payslips, tax returns, BAS statements, bank statements, identification, so there's no back-and-forth or repeated requests.
A well-prepared, complete application moves significantly faster and reduces the chance of a lender requesting additional information mid-process.
The lender values the property while we keep your application moving.
The lender commissions an independent valuation of the property. We manage communication with the lender throughout to keep your application progressing.
Most straightforward applications receive pre-approval within 1 to 2 business days. Full approval including valuation typically takes 5 to 10 business days, depending on the lender and the property.
Kathryn coordinates your conveyancer and the lender through to settlement day.
We coordinate settlement with your conveyancer and the lender. Kathryn keeps you informed so you always know where things stand, from the day contracts are exchanged right through to title transfer on settlement day.
No surprises.
We keep an eye on your loan and get in touch when a better option appears.
Your home loan doesn't end at settlement. We monitor rates and policy changes across our lender panel and reach out when a better option becomes available, whether that's through refinancing, restructuring or switching products.
Our relationship with you continues for as long as your loan is in place.
Step 1 takes about two minutes.
Google reviews
Real Google reviews of RyRo Loan Centre, word for word.
5.0
From 360+ Google reviews
O D
2 weeks ago on Google
My wife and I are very happy and very greatful for all the help Sumit from RYRO LOAN CENTRE has helped us once again. We are so blessed to have had the opportunity to meet such a kind, hard working and wonderful person who will go above and beyond to get our home loan refinancing approved. So thank you very much summit. We will definitely be going back to RYRO team when we buy our next property. We will also recommend RYRO Loan Centre, especially Sumit to our family & friends! They are simply the BEST!! 😊
chris sukumar
5 months ago on Google
Sumit at Ryroloan Centre made our first home possible Five stars for Sumit Joshi at Ryroloan Centre. As first home buyers we had no idea where to start. Sumit was easy to contact from day one. He picked up calls, replied to texts fast, and explained everything in simple terms. He secured us a really good rate that beat what our bank offered. The whole pre-approval and settlement process was smooth because he stayed on top of every document and deadline. I want to thank Dean and whole team thank you all. Couldn’t recommend Sumit more highly if you’re a first home buyer.
Karra Le
5 months ago on Google
For someone like us who's completely new to the home loan process and first home buyers, they're very responsive and answered all the questions we have. Sumit, Dean and Meet helped us get through the process and supported us all the way till the end. Their team is very knowledgeable and professional. Highly recommended!
Rene Rose Mae Tagle
8 months ago on Google
Sumit was instrumental in securing our first home whilst maintaining a constant channel for communication. Very patient with all our queries. He helped navigate the first home buyer provisions available to us and provided us with the product we were after. Can highly recommend.
Broker of the Year 2020Awarded to Sumit Joshi
Who you will deal with
Sumit Joshi JP · Principal broker · Credit Rep 446824
Whether you're buying your first home or your fifth investment property, we'll find the right home loan option for your situation.
You deal with Sumit from the first call. He reads your situation, compares lenders across the panel, prepares the application and stays on it until the loan settles. Kathryn then works with your conveyancer and the lender so settlement day runs on time.
We work from the Norwest office in the Hills District. Meet us in person, or do it all by phone and email from anywhere in Sydney. Read more about RyRo Loan Centre or see our awards and recognition.
Kathryn ThomasSettlement and client liaison. Kathryn works with your conveyancer and the lender from exchange to settlement day.
Why Sydney borrowers choose RyRo
Rated by clients, recognised by lenders
AFG Award Winner 2013 to 2019 and AFG Excellence Awards finalist 2022 to 2026
Denise
3 years ago on Google
Really appreciated the help and advice provided. Answered all my questions and everything went smoothly. Thank you Sumit and Kathryn! Would highly recommend.
Answers on demand
Answers to common questions about home loans, deposits, approval times, refinancing and upsizing, and how we help Sydney and NSW borrowers.
15 answers in 4 topics
A home loan (also called a mortgage) is a type of finance used to purchase residential property. You borrow a set amount from a lender, use the property as security, and repay the loan with interest over a set term, typically 25 to 30 years. Home loans come in variable rate, fixed rate and split formats, with principal and interest or interest-only repayment structures. The right combination depends on your situation, goals and property type. We explain the options clearly and recommend based on your actual circumstances, not a generic template.
Most standard home loans require a minimum 5% to 20% deposit depending on the lender and loan type. Borrowing above 80% LVR typically triggers Lenders Mortgage Insurance (LMI). A 20% deposit avoids LMI and generally delivers better rates and broader lender access. From 1 October 2025, eligible first home buyers can purchase with as little as a 5% deposit under the expanded Home Guarantee Scheme, avoiding LMI entirely through a government guarantee, with no income caps and a $1,500,000 price cap for Sydney. Contact us to confirm what deposit you actually need for your specific purchase and situation.
Your borrowing capacity depends on your gross income, living expenses, existing debts and the loan's assessed repayments at a stress-tested rate (3% above the actual loan rate, per APRA guidelines currently in place). Different lenders calculate borrowing capacity differently, the same borrower can receive meaningfully different results from different lenders depending on how they assess income and expenses. Use our Borrowing Power Calculator for an estimate, or speak with us for a detailed assessment based on your actual figures (no credit check, no obligation).
Borrowing power calculatorThere's no single best home loan rate, the most competitive rate available to you depends on your deposit size, loan purpose (owner-occupier or investment), repayment type (P&I or interest-only), loan amount and financial profile. Rates offered to new borrowers are often sharper than what existing borrowers are paying, and that gap is exactly why a loan you set up two or three years ago is worth reviewing. We compare options from 50+ lenders and negotiate on your behalf to find the most competitive rate and structure for your specific scenario.
No. RyRo Loan Centre charges $0 broker fees. We're paid by the lender when your loan settles. You get expert advice and comparison at no extra cost.
Home loan pre-approval (also called conditional approval or approval in principle) is a lender's indication that they'll lend you up to a specified amount, subject to the property you purchase meeting their criteria. It's typically valid for 90 days. In Sydney's competitive auction market, having pre-approval in place before you start inspecting or bidding is strongly advisable. For most straightforward applications, we obtain pre-approval within 1 to 2 business days.
Pre-approval is typically obtained within 1 to 2 business days for straightforward applications. Full approval, including formal property valuation, typically takes 5 to 10 business days. Complex applications (self-employed income, multiple existing properties, unusual property types) may take longer. We manage the process and communicate with lenders throughout to keep your application moving.
This depends on your cash flow needs, risk tolerance and view of rate movements. Variable loans offer flexibility (offset accounts, unlimited extra repayments, redraw) and benefit when rates fall. Fixed loans offer repayment certainty for a defined period but restrict flexibility. The cash rate has moved more than once in 2026, so the timing of a fixed term matters. There's no universally right answer, we work through the options with you based on your specific position and the rate environment at the time you apply.
LMI is an insurance premium payable by the borrower when borrowing above 80% of the property value. It protects the lender, not you, in the event of default. The cost varies depending on your LVR and loan size, and can reach over $30,000 for higher LVR loans on larger purchase prices. LMI can be avoided by having a 20% deposit, qualifying for the government's 5% Deposit Scheme (no LMI with 5% deposit from 1 October 2025), using an eligible guarantor, or accessing certain professional packages offered by specific lenders. We assess your options and work through whether paying LMI makes financial sense for your situation versus waiting to save a larger deposit.
LMI calculatorRefinance in 2026 if your current rate is more than about 0.5% above what you could get today, your loan has not been reviewed in two or more years, or your property has grown enough in value to push your LVR under 80%. If your rate sits about 0.5% above what a new borrower is offered, a $750,000 loan is costing you roughly $3,750 a year more than it needs to. The exceptions are worth knowing: if you are locked into a fixed rate, break costs can wipe out the saving, and if your LVR is above 80% you may trigger LMI again on the new loan. A free review tells you which side of the line you sit on.
Our refinancing serviceYes, and it is how most Sydney upsizers move without selling first. Lenders will generally let you borrow up to 80% of your current property value, so your usable equity is (current value × 80%) minus your outstanding balance. You draw that equity against your existing home, use it for the deposit and purchase costs on the next place, and take a separate loan for the balance. The constraint is rarely the equity, it is serviceability: you need to show you can carry both loans assessed at your rate plus APRA's 3% buffer. We model the whole structure before you start bidding.
Equity home loansYes. Refinancing your home loan is one of the most financially impactful moves an existing homeowner can make. Borrowers who set up their loan some years ago are often paying well above what new borrowers can access today. We compare your current loan against the full market, calculate whether the savings outweigh any switching costs, and manage the refinancing process from start to finish. Most refinances settle within 3 to 6 weeks of application.
Yes. Transfer duty (stamp duty) applies to all property purchases in NSW and must be paid within 3 months of signing the contract of sale. If you're a first home buyer purchasing a new or established home, you may be fully exempt from stamp duty on purchases up to $800,000, or receive a concessional rate on purchases from $800,001 to $1,000,000 under the NSW First Home Buyers Assistance Scheme (FHBAS). For example, stamp duty on an $800,000 home in NSW would ordinarily be approximately $31,335, eligible first home buyers pay nothing. Use our Stamp Duty Calculator to estimate your liability and speak with us to confirm your eligibility.
NSW stamp duty calculatorYes. Self-employed borrowers have access to both standard and low doc home loans. Standard home loan assessment typically requires two years of tax returns and business financials confirming the income you're relying on. Low doc loans allow alternative income documentation (BAS statements, accountant's declarations, business bank statements) for those who can't or prefer not to use standard documents. We have extensive experience placing self-employed borrowers with lenders who assess complex income fairly, and we know which lenders are most accommodating for different business structures and income patterns.
Low doc home loansYes, and for investors, working with a broker is particularly valuable. Investment loans are assessed differently to owner-occupier loans, and lender policies around investor serviceability, portfolio limits and interest-only terms vary significantly across the market. We work with investors at every stage of their portfolio journey and structure loans to maximise borrowing capacity, cash flow and flexibility for future purchases.
Investment loansFree tools
Before you apply for a home loan, knowing your numbers makes every conversation more productive. Use our free tools to estimate before you commit.
Borrowing Power Calculator. Understand how much you could borrow based on your income, expenses and existing debts. A useful starting point before you begin property searching, and a good way to test how different scenarios (closing a credit card, paying off a debt) affect your borrowing capacity.
Loan Repayment Calculator. Estimate your monthly home loan repayments based on loan amount, interest rate and term. Useful for modelling different deposit scenarios, rate changes and loan amounts before you engage a lender.
NSW Stamp Duty Calculator. Calculate the transfer duty payable on your property purchase in NSW and check your first home buyer exemption eligibility under the First Home Buyers Assistance Scheme.
Home Loan Offset Calculator. Model the interest savings and loan term reduction that an offset account delivers over the life of your loan. A powerful tool for understanding the real value of offset versus redraw, and whether a slightly higher rate with a full-featured offset account is worth it for your situation. Does a fixed rate home loan have an offset account?
Ready to discuss your numbers?
Get a free strategy call and we'll work through figures based on your actual situation.
From the blog
Three of the questions we get asked most: how to buy and sell without ending up homeless or double mortgaged, how much deposit you actually need in Sydney, and how fast you can realistically clear the loan.
Home Loans · 12 min read
There are only three ways to buy and sell at the same time, and each one puts the risk somewhere different. This guide compares selling first, buying first with bridging finance and settling both on the same day, with a week by week NSW timeline and what actually happens to your existing loan.
Read the guide
First Home Buyers · 11 min read
If you think you need a 20% deposit to buy in Sydney, think again. With the First Home Guarantee at 5%, Help to Buy at about 2%, and guarantor options, there are real paths into the market right now. Here is what the numbers actually look like for 2026.
Read the guide
Home Loans · 12 min read
Most Australian home loans run 30 years, but almost nobody stays that long. Here is the real timeline on an $840,000 Sydney loan, and exactly what offset accounts, extra repayments, fortnightly payments and a lower rate are worth in years and dollars.
Read the guideIn-depth reads on how Sydney home loans actually work, from a Norwest-based mortgage broker.
Talk to Sumit
We generally respond within an hour. Prefer to pick a time? Book your strategy call online or contact us.
Sumit Joshi JP
Principal broker, Credit Rep 446824
More videos from Sumit
“Sumit has been amazing through the whole process of refinancing our home loan. So professional and friendly. I highly recommend him to anyone who is looking for a mortgage broker!”
Sumit Joshi JP, Credit Rep 446824. AFG Award Winner 2013 to 2019 and AFG Excellence Awards finalist 2022 to 2026.
